Scottsdale, AZ · Charter 20214
NCUA · 2 branches
Q3 2016
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | 0.44% | 0.69% | 0.82% | 0.77% | -0.01% | 0.74% | 0.34% | -48 bps | |
| Return on Equity | -0.77% | 5.42% | 8.08% | 9.32% | 8.74% | -0.06% | 7.70% | 3.50% | -582 bps | |
| Net Interest Margin | 3.87% | 3.51% | 3.58% | 3.60% | 3.56% | 3.61% | 3.76% | 3.82% | +22 bps | |
| Efficiency Ratio | 87.70% | 83.78% | 82.79% | 81.14% | 82.31% | 84.61% | 81.29% | 83.11% | +197 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.52% | -1.26% | 0.25% | 2.42% | 5.87% | -1.50% | -3.33% | -5.07% | -749 bps | |
| Loan Growth (YoY) | 3.99% | 5.77% | 2.55% | 0.83% | 2.42% | 1.72% | 3.81% | -2.20% | -303 bps | |
| Share Growth (YoY) | 3.20% | -1.23% | 0.96% | 0.52% | 2.20% | -2.29% | -4.50% | -4.67% | -519 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.20% | 1.22% | 1.21% | 1.18% | 1.18% | 1.18% | 1.23% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.56% | 8.17% | 8.50% | 8.80% | 8.86% | 8.96% | 9.62% | 9.71% | +90 bps | |
| Net Worth / Assets | 8.56% | 8.17% | 8.50% | 8.80% | 8.86% | 8.96% | 9.62% | 9.71% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.91% | 62.03% | 61.36% | 63.75% | 64.04% | 64.58% | 66.71% | 65.41% | +165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |